E&S Insurance in Florida: Classes, Coverage & Quoting Guide

Pathpoint offers 13 Excess and Surplus (E&S) product lines in Florida covering 392+ class codes, including Contractors, Monoline Property, and Lessor's Risk Only (LRO). 70% of submissions receive an instant, bindable quote, typically in about 103 seconds. The platform partners with 23+ carriers, handles all Florida surplus lines compliance automatically (tax calculation at 4.94%, diligent search documentation, and Florida Surplus Lines Service Office (FSLSO) stamping office filings), with an average bound premium of $3,023 across all product lines.

Key Takeaways

  • 13 E&S product lines covering 392+ class codes in Florida
  • 70% of submissions receive instant, bindable quotes in ~103 seconds
  • 23+ carrier partners across admitted and non-admitted markets
  • Surplus lines tax of 4.94%, calculated and filed automatically at bind through the FSLSO stamping office
  • Average bound premium of $3,023 across all Florida product lines

What E&S product lines can I quote in Florida?

Florida agents on Pathpoint can quote 13 Excess and Surplus (E&S) product lines covering 392+ class codes. The full roster includes Contractors (122 class codes), Lessor's Risk Only or LRO (20 class codes), Contractors Excess (100 class codes), Retail & Services (31 class codes), Vacant Building (3 class codes), Vacant Land (2 class codes), Restaurants (17 class codes), Manufacturing (45 class codes), LRO Excess (14 class codes), and Churches (4 class codes). The three highest-volume lines, Contractors (820 binds), Monoline Property (563 binds), and LRO (418 binds), all carry strong appetite with account quote rates above 60%.

Of the 13 product lines, 11 (85%) are instant-quotable, meaning the platform returns a bindable quote without manual underwriter review. The remaining 2 lines, Manufacturing and Churches, are referred to Pathpoint's brokerage team for manual placement, with quotes typically returned within a median of about 22 hours. Referred submissions follow the same agent workflow. The agent submits the risk, the brokerage team shops the carrier panel, and the agent receives a quote in their Pathpoint dashboard to review and bind.

Full class list · Ranked by bind volume
#ProductClass CodesTop ClassesQuote TypeAppetite
1Contractors122Contractors–Subcontracted Work–In Connection with Building Construction, Reconstruction, Repair or Erection–One- or Two-Family Dwellings, Remodeling Contractor, Contractors–Subcontracted Work–In Connection with Construction, Reconstruction, Erection or Repair–Not Buildings, Swimming Pools–Installation, Servicing or Repair–Below Ground, Pressure Washing⚡ InstantStrong
2Monoline PropertyN/ABuildings or Premises–Bank or Office–Mercantile or Mfg. (Lessor's Risk Only)–Maintained by the Insured–Other Than Not-For-Profit, Buildings or Premises–Bank or Office–Mercantile or Mfg. (Lessor's Risk Only)–Other Than Not-For-Profit, Dwellings–One-Family (Lessor's Risk Only), Restaurants–with Sale of Alcoholic Beverages that are Less Than 30% of the Annual Receipts of the Restaurants–with Table Service, Apartment Buildings–Garden⚡ InstantStrong
3LRO20Dwellings–One-Family (Lessor's Risk Only), Buildings or Premises–Bank or Office–Mercantile or Mfg. (Lessor's Risk Only)–Other Than Not-For-Profit, Buildings or Premises–Bank or Office–Mercantile or Mfg. (Lessor's Risk Only)–Maintained by the Insured–Other Than Not-For-Profit, Apartment Buildings–Garden, Dwellings–Two-Family (Lessor's Risk Only)⚡ InstantStrong
4Contractors Excess100Contractors–Subcontracted Work–In Connection with Construction, Reconstruction, Erection or Repair–Not Buildings, Contractors–Subcontracted Work–In Connection with Building Construction, Reconstruction, Repair or Erection–One- or Two-Family Dwellings, Contractors–Subcontracted Work–In Connection with Construction, Reconstruction, Repair or Erection of Buildings, Painting–Exterior–Buildings or Structures–Three Stories or Less in Height, Drywall or Wallboard Installation⚡ InstantStrong
5Retail & Services31Nail Salons, Convenience Stores – No Gas Station, Car Wash or Restaurant, Beauty Parlors and Hair Styling Salons, Beverage Stores–Liquor and Wine, Clothing or Wearing Apparel Stores–Other Than Not-For-Profit⚡ InstantStrong
6Vacant Building3Vacant Buildings–Not Factories–Other Than Not-For-Profit, Vacant Buildings–Not Factories–Not-For-Profit Only, Vacant Buildings–Factories⚡ InstantStrong
7Vacant Land2Vacant Land–Other Than Not-For-Profit, Vacant Land–Not-For-Profit Only⚡ InstantStrong
8Restaurants17Restaurants–with Sale of Alcoholic Beverages that are Less Than 30% of the Annual Receipts of the Restaurants–with Table Service, Restaurants–with No Sale of Alcoholic Beverages–with Table Service, Restaurants–with Sale of Alcoholic Beverages that are 75% or More of Total Annual Receipts of the Restaurants–with Tables–without Dance Floor: Table Service, Restaurants–with No Sale of Alcoholic Beverages–without Table Service with Seating, Restaurants–with Sale of Alcoholic Beverages that are 75% or More of Total Annual Receipts of the Restaurants–Bar Service Only (No Tables): without Dance Floor⚡ InstantStrong
9Manufacturing45Cosmetics Mfg., Furniture Mfg. or Assembling–Wood, Food Products Mfg.–Dry, Machinery or Machinery Parts Mfg.–Construction, Mining or Materials Handling Type, Beverage Bottler–Soft Drinks–In Metal Cylinders↗ ReferredStrong
10LRO Excess14Buildings or Premises–Bank or Office–Mercantile or Mfg. (Lessor's Risk Only)–Other Than Not-For-Profit, Buildings or Premises–Bank or Office–Mercantile or Mfg. (Lessor's Risk Only)–Maintained by the Insured–Other Than Not-For-Profit, Apartment Buildings–Garden, Dwellings–One-Family (Lessor's Risk Only), Apartment Buildings⚡ InstantStrong
11Monoline WindN/ARestaurants–with Sale of Alcoholic Beverages that are Less Than 30% of the Annual Receipts of the Restaurants–with Table Service, Gift Shops–Other Than Not-For-Profit, Vacation Rentals, Dwellings–One-Family (Lessor's Risk Only)⚡ InstantActive
12CyberN/AInsurance Agencies and Brokerages, Office Administrative Services, Freight Transportation Arrangement, General Freight Trucking, Long-Distance, Truckload⚡ InstantActive
13Churches4Churches or Other Houses of Worship↗ ReferredStrong

How fast can I get an E&S quote in Florida?

70% of Florida account submissions receive an instant quote, with a median turnaround of about 103 seconds from submission to first auto-quote. For the 11 instant-quotable product lines, including Contractors, Monoline Property, LRO, and Monoline Wind, the platform routes the submission to integrated markets automatically, evaluates appetite by class code and risk parameters, and returns a bindable quote. Agents can submit, review, bind, and receive policy documents in a single session without leaving the platform.

For the 2 referred product lines, Manufacturing and Churches, Pathpoint's brokerage team takes the submission, shops it across the carrier panel, and returns a quote within a median of about 22 hours. The agent experience is identical either way: submit the risk in Pathpoint, receive a quote notification in the dashboard, and bind when ready. Referred submissions benefit from the brokerage team's relationships with specialty markets that may not be available through instant channels.

Which carriers are available in Florida?

23 distinct carriers quoted at least one Florida submission in the trailing 12 months. The active roster includes AU Gold, At-Bay, Ategrity, Ategrity SMB, Baleen Specialty, Centrex, Crum & Forster, Crum & Forster SMB, District Cover, Kinsale, LIO, Ledgebrook, MUSIC, Markel, Markel Brokerage, Nautilus, Penn-America, The Hartford, Vave, Velocity Risk Underwriters, Westchester, Westchester Middle Market, and Zurich. Routing is driven by class code, location, risk size, and loss history. Instant-quote products fan out to integrated markets automatically, while referred and brokerage products are placed through underwriter-directed routing.

These 23 carriers provide coverage across all 13 Florida product lines, from Contractors (122 class codes) to Vacant Land (2 class codes). When multiple carriers are eligible for a submission, the platform returns competing quotes so the agent can compare pricing and terms before selecting. Pathpoint continues to expand its carrier relationships in Florida to ensure competitive rates across all appetite tiers.

Where is Pathpoint's appetite strongest in Florida?

Pathpoint uses three appetite tiers, strong (high), active (mid), and emerging, based on account-level quote rates. 11 of Florida's 13 product lines carry strong appetite (account quote rate at or above 60%): Contractors, Monoline Property, LRO, Contractors Excess, Retail & Services, Vacant Building, Vacant Land, Restaurants, Manufacturing, LRO Excess, and Churches. These lines see the highest bind rates and most competitive carrier pricing, and most are instant-quotable to minimize friction for agents placing business.

The remaining 2 product lines, Monoline Wind and Cyber, fall in the active (mid) tier, with account quote rates between 30% and 59%. Monoline Wind has a 31.7% quote rate, reflecting Florida's complex wind exposure environment. Cyber sits at 57.1%. No Florida product lines are currently in the emerging tier. Active-tier lines are fully operational with real bound policies. The mid designation indicates more selective carrier appetite, not limited platform availability.

What are the surplus lines requirements in Florida?

Florida charges a 4.94% surplus lines premium tax. The state has a designated stamping office, the Florida Surplus Lines Service Office (FSLSO), through which surplus lines transactions must be reported. Pathpoint handles all FSLSO filings electronically as part of the binding process. Agents work entirely within Pathpoint. Tax calculation, policy stamping, and required filings are all handled automatically at checkout. A separate FSLSO service fee applies in addition to the 4.94% state tax.

Florida requires a diligent effort to place coverage in the admitted market before placing surplus lines, though the statute does not codify a fixed number of declinations. Pathpoint documents the diligent search automatically as part of each submission, without any manual steps from the agent. Filing follows the home-state rule under the Non-Admitted and Reinsurance Reform Act (NRRA). For Florida-domiciled risks, all filings and tax remittance run through Florida and FSLSO.

Surplus Lines Tax
4.94%
Stamping Office
FSLSO
Diligent Search
Diligent effort required (no fixed declination count)
Filing Method
Home state

How does quoting E&S on Pathpoint work in Florida?

Quoting E&S in Florida on Pathpoint follows four steps. First, the agent submits risk details, including account information, class code, location, limits, and loss history. Second, the platform routes the submission to eligible carriers. 70% of Florida accounts receive an instant quote in roughly 103 seconds, while referred submissions, Manufacturing and Churches, are reviewed by the brokerage team and typically return within a median of about 22 hours. Third, the agent selects a quote and requests bind. Pathpoint automatically handles all FSLSO stamping office filings and calculates the 4.94% Florida surplus lines tax at this step. Fourth, policy documents are issued and delivered through the platform.

Retail agents using Pathpoint in Florida do not need a surplus lines license. Pathpoint acts as the broker of record, managing all licensing, compliance, and carrier relationships. Agents earn a standard retail commission on every bound policy. There is no cost to create an account or submit risks. Agents pay nothing unless a policy binds.

What does E&S insurance cost in Florida?

The average bound premium across all Florida product lines is $3,023. Premium varies significantly by class code, coverage limits, risk size, and loss history. Among the three highest-volume lines: Contractors averages $2,593 (typical range $790–$3,280), Monoline Property averages $4,125 (typical range $672–$4,276), and LRO averages $2,684 (typical range $591–$3,242). These ranges reflect the breadth of class codes in each product. A small remodeling contractor and a large general contractor both fall under Contractors but will price very differently.

E&S premiums are generally higher than admitted market pricing because surplus lines carriers accept risks the admitted market has declined, such as harder classes, adverse loss histories, or capacity constraints in property-catastrophe states like Florida. Pathpoint's multi-carrier panel generates competing quotes when more than one carrier has appetite, helping agents find the most competitive rate without shopping each market individually. Exact premium is determined at the quote stage with no obligation to bind.

There is no cost for a Pathpoint account and no platform fees on submissions. Agents earn standard retail commission on bound policies. Florida's 4.94% surplus lines tax is calculated automatically at checkout and passed through to the insured as part of the total premium. Agents do not need to compute or remit it separately.

Frequently Asked Questions: E&S Insurance in Florida

Pathpoint offers 13 Excess and Surplus (E&S) product lines in Florida covering 392+ class codes. The lineup spans Contractors (122 class codes), Contractors Excess (100), Manufacturing (45), Retail & Services (31), LRO (20), Restaurants (17), LRO Excess (14), Churches (4), Vacant Building (3), and Vacant Land (2). 11 of the 13 lines are instant-quotable, meaning the agent submits and receives a bindable quote without manual review. Manufacturing and Churches are referred to Pathpoint's brokerage team and typically return quotes within a median of about 22 hours.
Florida's surplus lines premium tax is 4.94%. The state requires filings through the Florida Surplus Lines Service Office (FSLSO), the state's designated stamping office. Pathpoint calculates the tax automatically at checkout and submits all required FSLSO filings electronically as part of binding. Agents do not need to interact with FSLSO directly or remit tax separately. A separate FSLSO service fee applies in addition to the 4.94% state tax.
70% of Florida account submissions receive an instant quote, with a median turnaround of about 103 seconds from submission to first auto-quote. For the 11 instant-quotable product lines, agents can submit, review, bind, and receive policy documents in a single session. For the 2 referred product lines, Manufacturing and Churches, Pathpoint's brokerage team reviews the submission and typically returns a quote within a median of about 22 hours.
No. Agents do not need a Florida surplus lines license to place business through Pathpoint. Pathpoint acts as the licensed broker of record, managing all surplus lines licensing, compliance filings, FSLSO stamping, and carrier relationships. Agents earn standard retail commission on every bound policy. There is no cost to create a Pathpoint account or submit risks. The agent only earns a commission when a policy binds.
23 carriers quoted at least one Florida submission in the trailing 12 months. The active roster includes AU Gold, At-Bay, Ategrity, Ategrity SMB, Baleen Specialty, Centrex, Crum & Forster, Crum & Forster SMB, District Cover, Kinsale, LIO, Ledgebrook, MUSIC, Markel, Markel Brokerage, Nautilus, Penn-America, The Hartford, Vave, Velocity Risk Underwriters, Westchester, Westchester Middle Market, and Zurich. Routing is driven by class code, location, risk size, and loss history. When multiple carriers are eligible, the platform returns competing quotes so agents can select the best fit.
A referred submission means the risk does not meet the criteria for auto-quoting and is instead reviewed manually by Pathpoint's brokerage team. In Florida, 2 product lines are referred: Manufacturing and Churches. After submission, the brokerage team evaluates the risk, shops it across the specialty carrier panel, and returns a quote to the agent's Pathpoint dashboard, typically within a median of about 22 hours. The agent workflow is the same as for instant products: submit the risk, receive a quote notification, review, and bind.
The average bound premium across all Florida product lines is $3,023. Costs vary by class code, coverage limits, risk size, and loss history. Among the top three lines: Contractors averages $2,593 (typical range $790–$3,280), Monoline Property averages $4,125 (typical range $672–$4,276), and LRO averages $2,684 (typical range $591–$3,242). Florida's 4.94% surplus lines tax is added on top of premium at checkout. Exact pricing is determined at the quote stage with no obligation to bind.
Florida requires all surplus lines transactions to be reported to the Florida Surplus Lines Service Office (FSLSO). Pathpoint handles FSLSO filings electronically as part of the binding process. Agents do not need to submit anything to FSLSO directly. When an agent confirms a bind on Pathpoint, the platform automatically transmits the required filing data to FSLSO, calculates and applies the 4.94% state tax plus the applicable FSLSO service fee, and issues policy documents. The entire compliance workflow runs in the background without any additional steps from the agent.
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